Re: Old Debts
Well that's positive in part isn't it Yes they can continue reporting to CRA's without the agreement as the CRA reporting isn't actually linked to the provision of the agreement (odd as that sounds) - however if you claim that you never had the card in the first place, and they can't provide evidence ( eg statements/transaction lists etc) you might be able to get it removed but it's not an easy taske - how long does it have left on your file? If it already defaulted more than 6 years ago ( and you went into your DMP I think) then if it has fallen off then no they can't put it back on.
Egg sounds like it might be enforceable - so you need to figure out how to deal with it - do you want to continue with an arrangement with them (ie run your own DMP ?) If not and the request has nudged them they might consider court action - you don't want a CCJ on your file I'm guessing? So it would be a case of figuring out if you can do a full and final ( is the debt still owned by barclays or gone to a dca ?) or go to installments.
You could tell them you are sorting out your finances so gathering information from other creditors before sorting out a self managed DMP.
If you have a look on google images for Egg CCA you should see some examples of Egg agreements - or you could photograph yours and upload them here ( take off personal details) ( CLICK Go advanced at bottom of the reply box, then click the paperclip icon in the tool bar to upload images/docs)
Well that's positive in part isn't it Yes they can continue reporting to CRA's without the agreement as the CRA reporting isn't actually linked to the provision of the agreement (odd as that sounds) - however if you claim that you never had the card in the first place, and they can't provide evidence ( eg statements/transaction lists etc) you might be able to get it removed but it's not an easy taske - how long does it have left on your file? If it already defaulted more than 6 years ago ( and you went into your DMP I think) then if it has fallen off then no they can't put it back on.
Egg sounds like it might be enforceable - so you need to figure out how to deal with it - do you want to continue with an arrangement with them (ie run your own DMP ?) If not and the request has nudged them they might consider court action - you don't want a CCJ on your file I'm guessing? So it would be a case of figuring out if you can do a full and final ( is the debt still owned by barclays or gone to a dca ?) or go to installments.
You could tell them you are sorting out your finances so gathering information from other creditors before sorting out a self managed DMP.
If you have a look on google images for Egg CCA you should see some examples of Egg agreements - or you could photograph yours and upload them here ( take off personal details) ( CLICK Go advanced at bottom of the reply box, then click the paperclip icon in the tool bar to upload images/docs)
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